EOS lip balm noticed that customers were looking for an increasing amount of choice and quality in the products that they purchased, with the willingness to pay up for higher quality ingredients. Lip balm was no exception to this rule and due to the application of this substance on their skin, customers were looking for natural and organic options which differed from the products that were currently for sale on the market. Generally speaking, lip balm brands were made from petroleum jelly based products which were effective in controlling the damage done to lips from dry air and wind, but did not provide the lasting protection that all-natural alternatives did. Further, the flavor offerings of many lip balm products were limited in variety with the occasional cherry being included among mint and medicine flavored options.

EOS listened to the feedback they get on Facebook from customers of lip balm and understood the market trend and decided to create a product that was very different from the lip balms that were currently for sale. EOS offered lip balms that were made from higher quality bases like jojoba and coconut oil, and shea butter. While these products cost more to produce than the standard petroleum jelly based products (which is a derivative from refined oil), customers appreciated the higher quality ingredients and the longer lasting protection that it provided.

Eos then crated a wide range of flavors that captured the attention of customers and has since become a major player in Target and Walmart stores. Their success has allowed the brand to branch out in other ways and has turned into a company that is now emulated by the competition.

Timothy Armour recently wrote a column for CNBC about why passive index funds are not a cure-all for what ails the managed investment fund industry. High fees and excessive trading are a problem, to be sure, but investing only in passive index funds will expose investors to the risks of unexpected volatility or extended downtrends.

Recent surveys have found that only half of investors understand that passive index funds fully expose them to market volatility and downtrends. This might be caused by the length of the current bull market. If investors haven’t seen a protracted loss in capital markets, they may forget about the dangers of holding the entire market when it does turn against them.

The reality remains that there are managed funds that outperform the markets. For example, an investor who had the insight to invest in the best of American Funds, such as The Growth Fund of America or The Investment Company of America, would have been able to beat the S&P 500 over the past 40 years.

Timothy Armour is the independent director of Janus Capital Group, Inc. as well as the independent chairman of AQR Funds. He has also served on the Board of Directors at Janus Capital Group, Inc. In the past Armour has been the managing director at Morningstar, Inc, president of the mutual funds division at Stein Roe & Farnham, Inc., and served on the board of Janus Capital Management LLC, AARP Services, Inc., and ETF Securities.

Timothy Armor received his Bachelor of Arts in Business from Gettysburg College and an MBA from Columbia Business School.

The End Citizens United Political Action Committee was established in March 1st 2015s. Under grass root sponsorship, this new PAC was determined to reverse the ruling by the Supreme Court in the case titled “Citizens United”, hence the name End Citizens United. The aim of this committee is to reform campaign financing to discourage billionaires from buying elections.

What is End Citizens United’s Mission?

One of the ways End Citizens United intends to eliminate dirty politics is by electing in to power those who support campaign finance reforms. Those elected by End Citizens United will help in the fight to overrule Citizens United, outlaw unlimited cash in political campaigns, and end dark money campaigns.

Why Choose Democrats?

End Citizens United has only shown support for democrats, a gesture that leaves many wondering why they do not support republicans. The truth of the matter is that republicans are known to be in the way of campaign funding reforms. This means that they are also against the overruling of the Supreme Court decision on Citizens United. Since End Citizens United will only show support to candidates who acknowledge that the campaign financing should be reformed, Democrats are most qualified for their backing.

How End Citizens Hit the Spot Light

End Citizens United PAC, caught the world’s attention when they declared their intentions to reform U.S. campaigning system in 2016. The committee’s first order of business was to channel millions of dollars into campaigns for Democratic candidates. Even before it had gathered momentum, this new PAC had already gathered $2 million from grass root donors. The main aim of the committee was to amass $30 million for campaign activities.

The group’s main goal was to agonize for constitutional amendment in an effort to reverse the Citizens United ruling which was passed down in 2010. The ruling contributed to the rise of super committees, and allowed dark money to be injected into politics. So far, End Citizens United has received massive support from likeminded human rights activists, lobby groups, and voters, who are calling for Congress to form legislation that will outlaw the 2010 Supreme Court ruling. Shortly after being established, End Citizens United declared that it would be supporting 11 Democrats including former Wisconsin Senator, Russ Feingold, and Colorado Senator, Michael Bennet.

The main difference between End Citizens United and other PACs, according to Carbo, the committee’s communications coordinator, is that the former rallied behind candidates who believed in campaign finance reforms and were able to contest against the Citizens United ruling. Carbo, also reiterated that his group endorsed candidates who were at loggerheads with billionaire conservatives such as the Koch brother, and other dark money entities.